Public Liability Insurance

What is Public Liability Insurance?

When operating a business, the last thing you want to worry about is a costly claim that could destroy your livelihood.

Although unexpected, these incidents do happen. It could be a customer tripping up on loose flooring, or a plumbing mistake that causes water damage. If the worst happens and you don’t have adequate insurance cover, then your business will be up a certain creek without a paddle!

Public Liability Insurance provides you and your business against claims of injury or property damage sustained by members of the public (customers, suppliers or just passers-by) during contact with your business.

Do I need Public Liability Insurance?

Public Liability Insurance is a necessity for all businesses due to their interaction with members of the public. If you have premises which people visit or if you host a public event that people attend, this insurance is required. It is also essential when manufacturing or selling any product to members of the public.

Even if you work from home or visit other peoples’ houses as part of your job, it is better to be cautious and have the protection of full Public Liability Insurance.

No matter how hard you try, it is impossible to foresee and prevent every instance of injury, damage or product defect that may arise. Even small Public Liability claims can run into thousands of dollars; it's simply not worth the risk of ignoring this necessary insurance cover.

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What can Public Liability cover?

Injury to a third party

Covers the costs incurred by a third party due to injury caused by your negligence including first aid, ambulance, and medical treatment costs.

Legal costs

Covers the losses sustained in the defence or settlement of a claim.

Others acting on your behalf

Covers the costs incurred as a result of the actions of others that may have been acting on behalf of your business when the incident occurred.

Loss or damage to property/goods

Covers damage to goods in your care that you do not own and damage to someone else’s property through your business activities.

What is not typically covered?

Employee injury

Costs arising from injured or ill workers – this is only covered through Workers Compensation insurance.

Damage to your property

If an accident results in property damage this loss is typically not covered by Public Liability.

 Recall of Products

Costs incurred for the withdrawal/recall of your products.

Contractual Liability

Costs incurred on behalf of someone else through a contractual agreement.

Faulty Workmanship

Cost of performing, correcting or improving any work undertaken by the insured.

Professional Liability

Claims related to providing professional advice or a service.

Pollution

Costs incurred in relation to the release of pollution.

How we get the right cover for your business

Our expertise is in protecting Territory businesses - whatever size. As an independent insurance advisor, we will tailor your Public Liability Insurance so you have the protection you need for your unique business. To reach the best outcome for you, we’ll consider a number of factors:

Do any of your contracts require a minimum level of public liability cover?
Does your industry body set a minimum standard for cover?
Do any of your accreditations, licences, or certiﬁcations require a minimum level of cover?
Does the lease of your premises require a minimum level of cover?
What potential risks, and level of risks, could your particular business be exposed to?
What potential accidents could happen in the business that results in a claim against you?